INSURANCE GUIDE Student Volunteer/Internship Program Insurer and Policies Travel - AHI Policy Number 0029651 Personal Accident AHI Policy Number 029654 Public Liability QBE Policy Number AT 1023390 PLB Insurance Claims Dedicated Help Line CSN (Corporate Services Network) Phone No: 02 8256 1760 Email: claims@csnet.com.au Website: www.csnet.com.au International SOS Emergency Number Australia +61 2 9372 2468 Email: sydopsmed@internationalsos.com Website: www.internationalsos.com Call the nearest International SOS (ISOS) Centre London +44 20 8762 8008 Philadelphia +1 215 942 8226 Singapore +65 6338 7800 UTS / ISOS membership number 12AYCA000095 http://www.internationalsos.com/masterportal/default.aspx?membnum=12ayca000095 UTS Insurance Ph: +612 9514 4788 or +612 9514 4670 Email: Insurance@uts.edu.au
Intention of the Cover Applies to Students, Graduates and Staff of the Insured whilst engaged in Campus/Course related activities and/or practical placement or community placement activities officially organized by the Insured, or supported by the Insured as being of benefit to the course of study, including necessary direct travel to and from such activities. Volunteers are also covered whilst engaged in Campus and/or approved activities of UTS including Work Experience and all other associated activities organised by and under the control of the Insured. Insurance covers both inbound and outbound voluntary work placements. What you are covered for PERSONAL ACCIDENT/ DOMESTICTRAVEL INSURANCE Sickness/injury suffered during participation in approved activity. o Non Medicare medical expenses within Australia** DOMESTIC TRAVEL INSURANCE (travel more than 50km from UTS) Repatriation expenses. Loss of Deposit & Additional Expenses Personal Items Missed transport connection Maintenance of pre-existing medical condition is not covered. **PLEASE NOTE: There is very limited cover for medical expenses within Australia. The student is heavily relying on Medicare or their own private health insurance for medical expenses incurred in Australia. Payment of the Medicare GAP amount is not covered. INTERNATIONAL TRAVEL INSURANCE o Overseas medical expenses, including overseas medical evacuation expenses o Certain ongoing medical expenses in Australia for 12 months when the sickness/injury first happened overseas Repatriation expenses. Loss of Deposit & Additional Expenses Personal Items Missed transport connection Maintenance of pre-existing medical condition is not covered. PUBLIC LIABILITY INSURANCE The policy covers damages, compensation and legal expenses up to a specified amount for which you might become legally liable. This includes: Bodily injury including death or illness of another person.
Loss or damage to property Do not accept liability under any circumstance. Provide contact details of your travel co-ordinator or email insurance@uts.edu.au Exclusions Any expenses recoverable from any other source, including your Private Health Insurance. Amounts eligible as the Medicare gap Maintenance of Pre-existing condition/s (including Pregnancy) Expenses incurred whilst travelling against medical advice or with a terminal condition diagnosed prior to travel. The policy does not cover for any contractual obligations in relation to mobile phone purchases. (E.g. monthly cap instalment under contract). The policy does not cover for injuries resulting from participating in professional sports. Professional sports means sports for which you receive any fee or monetary reward as a result of your participation. The policy does not cover for dental claims resulting from cavities or due to lack of regular dental health maintenance. Only emergency dental treatment is covered. The policy does not cover for any vaccinations or any precautionary measures. If required to return home due to an emergency, ISOS must be contacted first to ensure cover. The policy does not cover trips that exceed 365 days duration. The policy does not cover loss of personal property that has been left unattended or unsupervised. Also, loss or theft of valuables including money that is stored in checked in luggage during a trip is not covered. Acts of war, including civil war and acts of terrorism. This may include demonstrations or civil protests relating to declarations of war. Air travel in an aircraft which is not properly licensed or where you are not a passenger, or in which you are flying as a pilot Intentional self-inflicted injury or suicide. Pregnancy or childbirth (except for an unexpected medical complication or emergency occurring during the first 30 weeks of the pregnancy). Sexually transmitted diseases, AIDS or HIV. Radioactive contamination or radioactivity in any form whatsoever, whether occurring naturally or otherwise. Any criminal or intentional illegal act by yourself or UTS Medical expenses incurred more than 12 months after the date of injury, or in the case of sickness, after the date on which medical expenses were first incurred. The policy does not cover for Medicare gap for medical treatment undertaken in Australia as a result of injuries incurred overseas. All Insurance policies contain various exclusions beyond the summary above. If you have any concerns regarding your personal circumstances please contact insurance@uts.edu.au for assistance.
How to organise Insurance Download the relevant for o Placement Summary Form o Site Visit form o Travel Application Form Complete the form and get it approved by your faculty/division. Faculty s authorized person to issue relevant insurance certificate. o Personal Accident for local activities o Travel for Domestic and International activities o Public Liability for all activities. Record Keeping by Faculty Faculty to maintain copy of all the forms and certificate In event of a claim the faculty may be requested to provide the forms in support of the claim. Making a Claim Terms and conditions of the policies will apply. To submit a claim please contact Corporate Services Network (CSN) on +61 2 8256 1760 or at http://uts.csnet.com.au using registration code UTSF99B680BE8. Any cash advance received from ISOS or UTS must be reported when making a claim. You will need to complete a claim form and provide supporting documentation. This may include reports, receipts, police reports or a police report number, transport provider s reports, valuations or proof of ownership and copies of your itinerary and authority to travel. In order to improve the efficiency in the processing of your claim, if a report or any supporting documentation is written in a foreign language please provide, if you are able to, provide a brief translation in English. Call the dedicated CSN Help Line if you require assistance with your online claim. Important Information We may collect, use, manage, store and provide access to your personal information to our insurance broker and insurer. Should your personal information be incorrect or out of date, you undertake to inform us immediately. UTS is only responsible for organising insurance for students. The claimant deals directly with the Insurer for all claims related matters.
Frequently Asked Questions (FAQs) Is medicare gap covered under personal accident insurance? No. Medicare gap is not covered under personal accident insurance. The purpose of the personal accident insurance is to cover for non-medical medicare related expenses. (Eg. Physiotherapy, taxi, crutches etc) Am I covered for pre-existing medical conditions? No. The expense incurred to manage / treat a pre existing medical condition is not covered. However, costs relating to any emergencies arising out of pre-existing conditions are covered as per the terms and conditions of the applicable policy, as long as medical clearance to travel has been given. Is my personal car covered if used as means of transport to and fro from a location while on approved student activity? No. Your car should be covered under your own insurance and you should also have third party compulsory cover. Can I claim for vaccinations/flu shots that I take prior to travel? No. Costs incurred for precautionary measure are not covered. Are medicines purchased over the counter covered? No. Only prescribed medicines by a legally qualified medical practitioner are covered. What if I have to return home due to illness or death in the family? Before booking your flights you must contact ISOS to get approval to travel, noted circumstances will be covered based on the terms and conditions of the policy. Exclusion: where the death or illness in the family is of a person aged over 85 years of age, the costs of returning home will not be covered. What is a dental emergency? Dental emergency arises due to an unforeseeable circumstance (an accident caused by violent, external and visible means and occurring solely and directly and independently of any other cause) and a registered and legally qualified dentist provides treatment for the relief or management of the resultant dental pain or damage. Claims arising out of cavities are not covered as cavities are caused due to lack of dental health maintenance over a period of time. Any claims arising out of lack of dental health maintenance are not covered. Cover is not provided for routine dental checkups or procedures (for instance teeth cleaning, filling of cavities, cosmetic dentistry etc). What is an optical emergency? Optical emergency arises due to unforeseeable circumstance (an accident caused by violent, external and visible means and occurring solely and directly and independently of any other cause) where treatment is provided by registered and legally qualified
medical practitioner or optician. Cover is not provided for routine optical treatment & checkups. Personal Items, laptop, digital camera etc covered? The policy covers accidental loss or damage of accompanied luggage, personal effects, portable business equipment (including laptops and mobile phones) that occurred during the approved travel period. Mislaid luggage by any carrier for more than 8 consecutive hours. Travel Documents for non-recoverable cost of replacing. Credit Card Frauds Money cash, bank or currency notes, cheques etc Each personal item has a limit of $5,000. If you have any one item valued at more than $5,000 please notify insurance. Stolen Sim Cards The policy does not cover any contractual liability that you may have with the mobile service provider. If any payments are outstanding as you are on a plan, this will not be covered. What if I miss my flight? If due to unforeseen circumstances that are not in your control you cannot travel and lose your deposit on airfares, accommodation etc that you have already paid for, the policy will cover for those losses. International SOS must be informed in advance of your situation. What if my travel is longer than 365 days? Travel of more than 365 days is not covered. Students are required to come back to Australia and renew their insurance cover or organise their own insurance cover overseas prior to their departure. Insurers will not consider any extension to the policy beyond 365 days if you are already overseas. Does the policy cover weekends and public holidays? Yes. It covers for weekends and public holidays that fall within the approved period. If I have to see a doctor do I have to pay upfront for the fees? Yes. You do have to pay upfront and then lodge a claim. Are sporting activities like scuba diving, skiing covered? Yes. Provided there is no monetary reward for your participation. Will I be reimbursed for the expenses incurred in returning to my Country of Residence due to the unexpected death, serious injury or sickness of a relative? Typically, Yes although prior approval from the Insurer is required. The policy defines Country of Residence to mean a) the country the Insured Person is a citizen or permanent resident of (i.e. holder of a multiple entry visa or permit which gives the Insured Person resident health care rights in such country); or
b) the country in which the Insured Person is residing on an overseas expatriate assignment. A relative means the spouse, parent, parent-in-law, grandparent, step-parent, child, step-child, grandchild, brother, brother-in-law, sister, sisterin-law, daughter-in-law, Son-in-law, fiancée, fiancé, half-brother, half-sister, aunt, uncle, niece or nephew of the Insured Person, provided such person(s) are under 80 years of age and reside in the Insured Person s Country of Residence. Therefore, if there is a serious illness of a relative in Australia and the student is studying in London, the policy will provide cover for costs to return back to Australia. However if the student is from Australia and are studying in London and there is a serious illness of a relative in South Africa, then the policy will not cover the costs for the student to fly to South Africa. Is there a policy excess? Yes. An excess of $200 applies to all non-medical Travel claims. There may also be waiting periods for benefits under the Personal Accident insurance. You are responsible for payment of this excess, not UTS. Non Emergency Events Any assistance provided by International SOS for non-emergency events may not be covered by UTS Insurance nor will UTS be willing to pick up the cost. This should be clearly communicated to Students. Advice received on phone from International SOS is free. Emergency Events In the case of an emergency, contact the closest International SOS Centre. Examples of Insurance Emergency You are taken to the hospital due to a medical emergency. You are required to return to Australia due to sickness/death in the family. Your passport/credit cards or important documents are stolen or lost.